Imithetho ekhethekileyo yenza kube lula ukusinda kwimeko yeSahluko 11
Isahluko 11 luhlobo lokubhankwa kwebhanki evumela ukuba ishishini liqhubeke nokusebenza ngelixa lilungisa kwakhona imicimbi yezemali. Isahluko 11 siyafumaneka kubantu ngabanye, kodwa abantu abaninzi bayayisebenzisa ngenxa yokuba kubaluleke kakhulu kumsebenzi wegqwetha kwaye kubiza umthengi. Ngokufanayo namashishini. Kuyinyaniso yokuba amashishini amaninzi asetyenzise iSahluko 11 ukuguqula ngempumelelo imisebenzi, kodwa ihlala isisiphakamiso esilahlayo, esibizayo kunye nesigxina samashishini amaninzi.
Imithetho nemimiselo iyinkimbinkimbi, zonke iinyawo ezibonakalayo zifuna igalelo ngalinye "inxaxheba kumdla," kwaye i-billor billings i-mind-boggling. Ngaphezu koko, umboleki ulawulwa ngongqongqo lwabo ababolekisi, abanini-zimali, abanamalungelo abo, i-Trustee yase-US, iJaji leBhanki kwaye, ukuba inkampani inkulu ngokwaneleyo, kwaneendaba eziendaba.
Ngaloo nto engqondweni, iifom ye-recent iteration yomthetho we-bankruptcy, i-Bankruptcy Abuse Prevention Act kunye noMthetho woKhuseleko kwabaThengi ngo-2005, yazama ukwenza inkqubo yeDraconian Chapter 11 ibe lula kwaye ingabizi ngaphantsi kwezinto ezincinci ezinokuthi zinyanzeliswe ngaphandle ishishini okanye kwiSahluko sesi-7.
Ukuba ishishini liyimpahla yodwa, iSahluko 13 sinokukhetha ukhetho oluninzi. Funda ngokubanzi ngamacandelo eShishini 13 apha. Funda kabanzi malunga nezinye iindlela zokungcebeleka kumnini-shishini lomncinci kwi- Amashishini am .
Yisiphi Isinibizo Sorhwebo ?
Umthengisi omncinane phantsi kweKhowudi yeBhanki ye-Bankruptcy angaba ngumnikazi wedwa, iqumrhu okanye ubambiswano. Ukongezelela, uMthengisi Omncinci Omnye nguye:
- usebenza kwimicimbi yorhwebo okanye imisebenzi yezoshishino ngaphandle kokusebenzisa okanye ukusetyenziswa kwepropati yangempela. (Ikhowudi ye-Bankruptcy nayo ineemfuno ezikhethekileyo zeshishini elinomhlaba omnye wefa.)
- ahlawulwanga ngaphezu kwe-2,566,050 yee-$ ezingekho emthethweni, ehlawulweyo, ekhusekileyo kunye nonokuthenjwa, kodwa kungabandakanywa nawaphi na amatyala afunekayo kumalungu okanye abahlali.
- akanakho ikomiti ebolekisiweyo.
Ngenkcazo epheleleyo, jonga i-USC Sec. 101 (51D).
* Le mali iguqula yonke iminyaka emithathu kwaye iya kunyuka ngo-Ephreli 1, 2019.
** Isahluko 11 sihlinzekela ukuqeshwa kwekomiti yabathengi abangakhuselekanga. Kwiimeko ezinkulu, ikomiti ithatha ukujonga umboleki kwi-bankruptcy. Kwiimeko ezincinci, ababolekisi bahlala bengathandi ukwenza ukuthwala uxanduva okanye abangathandekiyo. Iikomiti zabanye ababolekisi, njengabanini-mboleko, ziqhelekile kwiimeko zeSahluko 11.
Ukwahlukana phakathi koMthengisi Omncinci wezeNtengiso kunye "rhoqo" Isahluko 11 Umthengisi
Ngokukodwa, imimiselo echaphazelekayo kwimeko yamashishini amancinci yenzelwe ukulungelelanisa inkqubo kwaye yenza iSahluko 11 singabizi imali.
I-Trasti yase-US Ukujonga ngaphezu kweKomidi yababoleki: kuba akukho komiti yebolekisi ukubonelela ngongomntu onetyala, oseleyo kwiTrasti yase-US. Phantse ekuqaleni kweso, umboleki kufuneka abe khona "intlanganiso yodliwano-ndlebe" apho i-UST iya kuhlalutya ukusebenza kwayo, ifunde isicwangciso sayo seshishini, kwaye ihambe phezu kweembopheleleko zetyala ngexesha kwiSahluko 11.
Ezi zibophelelo zibandakanya ukuhambisa iingxelo ezicwangcisiweyo, ngokuqhelekileyo rhoqo ngenyanga, komsebenzi wezeMboleki, kubandakanywa ingeniso kunye nokuphuma. I-UST isebenzisa le ngxelo ukuze ibone ukunyuka kunye nobunzima obuya kwenza umphumo ophumelelayo.
Okungakumbi "I-Exclusive" Ixesha lokuFaka iPlani yokuHlanganisa: Ukutshintshisana, umboleki akafanele akhathazeke kakhulu malunga nababolekisi abaphazamisa ukusebenza kweshishini, ingakumbi njengoko libhekiselele kwisicwangciso esilungisiweyo sokuhlelwa kabusha. Injongo yeziganeko ezininzi zeSahluko 11 kukuphunyezwa ngempumelelo kwiplani yokulungiswa kwakhona. Kwimeko eqhelekileyo yeSahluko 11, ababolekisi bangaphakamisa izicwangciso njengokuba umntu onetyala anakho. Kwimeko encinci yoshishino, umboleki unegumbi lokuphefumula phambi kokuba ababolekisi behla. Ukuba "ixesha lokuphela" lihlala iintsuku ezili-180 kwaye linokudluliselwa kwiintsuku ezingama-300.
Oku kunceda ukufudula loo matyala ngokukhawuleza kunokuba kwenzeke rhoqo kwimeko enkulu yeSahluko 11. Ityala elithe xaxa lihlala liguqulela kwimeko ephantsi.
Ingxelo yeNgcaciso (kunye nokuVunywa kweNkundla): Kwimeko encinci yezoshishino, inkundla ye-bankruptcy inokukhupha imfuno yokuba umntu onetyala uyifake isitatimenti sokubhengezwa kwaye avunyelwe phambi kokuba inkundla ithathe isicwangciso sokulungiswa kwakhona. Isitatimenti sokubhengeza sifana nesiphathamandla sezinto zokusebenza kwaye siquka yonke ingcaciso umboleki-mali angadinga ukwenza isinqumo esinolwazi ngokuvota okanye kwisicwangciso sohlengahlengiso esicetywayo somboleki. Izitatimenti zokuchazwa kufuneka zivunywe yinkantolo, kwaye zihlala zikhokelela ekuxabaneni okukhulu kakhulu phakathi kwababolekisi kunye namanye amaqela kunye nomboleki.
Khangela eli phepha ukuze uthole amanqaku angaphezulu kumanqaku afanelekileyo kubanini beshishini abancinci abacinga ngokuchithwa kwebhanki: Ukuchithwa kweBhizinisi elincinci.